AMERICAN EAGLE FINANCIAL
Charter #68659 · EAST HARTFORD, CT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.02% sits at the 11th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.30% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 11th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | AMERICAN EAGLE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.76B | 62th pct | 70th pct |
| Members | 167,531 | 65th pct | 69th pct |
| Net worth ratio | 9.78% | 28th pct | 31th pct |
| Return on average assets | 0.57% | 36th pct | 33th pct |
| Net interest margin | 3.02% | 27th pct | 11th pct |
| Cost of funds | 1.42% | 33th pct | 46th pct |
| Loan-to-share | 71.70% | 18th pct | 21th pct |
| Delinquency 60+ days | 0.68% | 55th pct | 57th pct |
| Net charge-off ratio | 0.30% | 23th pct | 15th pct |
| Loan growth YoY | 2.40% | 60th pct | 58th pct |
| Share growth YoY | 8.26% | 88th pct | 90th pct |
| Efficiency ratio | 76.63% | 65th pct | 57th pct |
structural peer set hash: eccf286c5d9c5b61fc34c4b94f39362d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.